Can Xiaomi negotiate repayment when he borrows from Star?

Xiaomi can negotiate repayment with Star Loan, but it is difficult to negotiate successfully. Negotiation repayment generally refers to the credit card business of banks. When the cardholder's debt bill exceeds the affordability and is overdue for more than 3 months, the cardholder can negotiate with the bank for repayment.

One: Xiaomi's accompanying loan, as a private lending platform, generally does not agree to negotiate repayment for borrowers. The borrower needs to contact Xiaomi's accompanying loan customer service and issue his own non-malicious overdue certificate to prove that he really can't pay the current bill.

Two: This is just an upgrade of some software of Xiaomi, or some changes in its name. The following function should not be changed, it should be the same as the original function.

Three: Xiaomi's loan service of borrowing rice finance, formerly known as "Xiaomi Loan". With the satellite, relying on Xiaomi's outstanding advantages in artificial intelligence, big data and other fields, the online audit system with zero manual intervention in the whole process brings efficient and convenient financial technology services to users.

Four: The products borrowed from the satellite are characterized by a daily interest rate of 20,000 yuan, which can be repaid with the loan, quick authentication and the fastest arrival time 1 minute. In addition, loans, installment purchases, full coverage of rice noodles, comprehensive risk control, and transparent interest expenses. The logic of satellite loans is similar to that of commercial credit cards, that is, commercial institutions issue cards by themselves, and provide users with a certain credit line according to their consumption behavior in the card-issuing commercial institutions, with the ultimate goal of promoting users' consumption in the commercial institutions.

Five: The loan interest will be deducted automatically on the repayment date of each month, and the daily interest rate calculation formula is = unpaid principal * daily interest rate (the daily interest rate of Xiaomi loan will be comprehensively evaluated according to the account and personal credit situation, please refer to the display on your page).

Six: For example, the daily interest rate is five ten thousandths, the loan 10000 yuan, and the daily interest is 5 yuan. If you have overdue principal or interest, the overdue interest rate of overdue principal or interest is 65438+ 0.5 times the normal loan interest rate.

Seven: installment shopping rate Xiaomi supports 3/6/ 12 installment payment. The total handling fee rate of millet is 2.22% in installment 3, 3.9% in installment 6 and 7.2% in installment 12. Normal repayment only needs to pay the current principal and handling fee every month, and the total handling fee will be added for the part that is repaid in advance (subject to the number).

Eight: Communicate with customer service to see if it can be divided into two stages. If there is, it will not affect the credit investigation. In the positive law, you can only borrow from your friends first, pay back the loan, and then pay back to your friends. Or find another platform loan to support the loan, but this method can only be used once in a while. Don't get caught up in it, or the more you borrow, the more you will never finish.